Calculate the real cost of a reseller credit
Use full payment, usable credits and term rules to compare wholesale offers in the same currency.

Credit cost calculator
Use amounts from the same invoice and the supplier’s confirmed credit rule.
Divide the full cost by usable credits
For an illustrative purchase of 25 credits at $500, the unit cost is $20 if all 25 are usable. A $25 payment or conversion fee makes it $21. If five credits expire before you can use them, your cost on the remaining 20 is $26.25. These are worked examples for the calculator, independent of any provider offer.
Convert a credit price into an account cost
If the supplier deducts three credits for a term, multiply your unit cost by three. Add your payment, refund and support costs separately. Confirm whether a second connection changes the debit and what happens if an activation fails after a deduction.
Compare the same units
Keep the currency, tax treatment, expiration date and agreement version with each quote. Avoid blending a USD card charge with a local balance at an unstated rate. Record the applied exchange rate and the settlement amount when you reconcile the purchase.
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Questions readers ask
How do I compare the cost of reseller credits?
Divide the full payment, including any fees, by the number of usable credits. Then multiply the resulting unit cost by the provider’s debit for the same customer term and connection allowance.
How should I account for credits that expire?
Use the number you can reasonably spend before expiry in your unit-cost calculation. Keep the stated quantity and usable quantity in separate columns.
What is the difference between a customer-month credit and an annual-term credit?
A customer-month schedule often deducts a credit for each standard month. An annual-term schedule can use one credit for a year and fractional amounts for shorter terms. Apply the provider’s written deduction for the exact connection and duration.
Can two six-month customer renewals cost more than one annual renewal?
Yes, where a provider charges more than half an annual credit for each six-month term. For example, two debits of 0.6 use 1.2 credits while a published one-credit annual term uses 1. Check the actual ledger and quote for the account.